Date Received: 2023-07-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to you in the hopes of getting help in recovering my {$3000.00} cash deposit, deposited at Bank of America. I have tried everything in my power to battle the system. I also have XXXX XXXX, and I am a XXXX mother of XXXX XXXX boys, which adds even more to the stress of the situation. Here are the details : On XX/XX/XXXX I opened a small business called XXXX to XXXX XXXX, hoping to leave my sons with a source of income after my passing. On XX/XX/XXXX I opened a business account at Bank of America XXXX XXXX, on XXXX XXXX XXXX XXXX XXXX CA XXXX. I opened a checking account by making a {$7000.00} cash deposit. The business banker I talked to, XXXX XXXX, convinced me to open a secured business card as well. I deposited another {$3000.00} of my own money to open this card. On XX/XX/XXXX, I decided to pay off the balance of my secured card, close the card and have the money transferred into my business checking, so I can use it to purchase supplies for the busy XXXX season. Time was of the essence, so I specifically asked how long the transfer will take. I was told that, although I opened the account at that physical branch, the account could only be closed by calling the XXXX number on the back of my secured card. The card number was XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called the number and requested that the card be closed and the money be transferred into the business checking account. I was told that the transfer was not possible, but that I will receive the check in the amount of {$3000.00} in XXXX business days. On XX/XX/XXXX, I still hadnt received the check, so I called the number on the card. I was told by the automated system that the card was closed, It took a while to get a human being on the phone to inquire about the check, but I finally reached XXXX who assured me that the check had been sent out. On XX/XX/XXXX, I still hadnt received the check, so I called again. After many transfers, I reached Case XXXX XXXX, who told me that the check did NOT go out, due to a small outstanding balance of {$69.00} on my linked Customized Cash Rewards account. I immediately paid off the balance over the phone, reference # XXXX. I also asked to open a complaint and I was transferred to XXXX XXXX, who took down the complaint. The complaint was logged with case # XXXX. On XX/XX/XXXX, I still havent received the check, so I called again. I talked to XXXX, who transferred me to Collections. XXXX XXXX picked up, and immediately hung up. I called back, talked to XXXX from the Fraud Department. After several more transfers and XXXX more interrupted calls, I reached XXXX XXXX, He transferred me to Business Services, where I talked to XXXX, She transferred me to Business Collections and I talked to XXXX XXXX. XXXX XXXX expressed concern and told me she could not establish the cause of delay in sending the check, but that she requested that to be sent again, and the check will arrive in XXXX business days. On XX/XX/XXXX, I went again to the physical branch of Bank of America where I opened the account. They called the same number I had called several times, were transferred to various call agents, like I have, and could not solve the issue. Ever since, I continued to call and look for someone who could help. No one seemed to know where the deposit went. I still havent received the funds I need to keep my business in operation. I am turning to you in the hopes that you can help me recover the funds that I once deposited at this bank. The department I am dealing with is the CD Department, phone # XXXX. The representative I talked to at the physical Bank of America branch was XXXX XXXX ( who seemed to have no idea how to help ), phone XXXX, email XXXX Sincerely, XXXX XXXX, Owner XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: This happened a couple years ago during the COVID times, I had unemployment and so I had bank of America prepaid account, on probably about a dozen times my card and account would get locked up which always seemed to happen at the worse possible times it would not allow me to make online purchases and we were limited to 3 ATM withdrawals in a 24 hour period. I can't remember how many times I was charged fees that I would just pay because we were getting good money when it first started. I don't know how to go about getting any of those statements and letters from them. I would never deal with bank of America again because of this experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had XXXX dollar excess in the second Mastercard - Spirt airlines. They stole my XXXX dollars and show the balance as XXXX..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I purchase many items such as an air fryer/ mircowave on XX/XX/2023 and return items to XXXX XXXX XXXX XXXX because my son couldn't use items because he had purchase already. days went by and no store credit. I called bank of america and representative stated they were refunding my whole receipt amount for {$230.00}. Now in XX/XX/2023 they have readjusted my acoount to over draft of {$230.00} and tooken {$25.00} that was in my account and still over drawn weeks later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: At around XXXXXXXX XXXX I received a text about a XXXX transaction in the amount of {$3500.00} came out of my account. About 15 min later someone from Bank of America called me specifying that there had been fraudulent activity on my account. He was able to tell me how long Ive banked with Bank of America, that I had multiple accounts, he told me my most recent deposit into my account and the phone number he was calling from said Bank of America and matched the number on the back of my debit and credit cards. So I felt it was legit. He scammed me into transferring small amounts and a larger amount by telling me one would be declined, and then it would. He had me put in a claim number as the recipient so the XXXX manager would know it was the BofA claim. After the second transaction I just knew it wasnt right and told him I was going to hung up when he asked for more money. He said hed transfer me to a supervisor and said Thank you for doing business with XXXX XXXX. He slipped because thats not the correct bank. I called and reported it tot he bank right away. The claim number he gave me was actually a phone number : XXXX and the account it transferred to said XXXX XXXX. I assume my money went to her account as it has to transfer by phone number. After I hung up the same Bank of America number tried to call back multiple times. I did not pick up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I frequently send money to overseas account holders ( foreign banks in their counties ) using wire transfer of bank of America. I had few problems with XXXX banks from this Bank to Bank Wire Transfers. In the past these were resolved. Recently XXXX XXXX was sent to XXXX via Bank Wire Transfer. The recipient in XXXX did not receive it. The Bank in XXXX failed to transfer the money back to Bank of America so that I get my money back. Instead the Bank in XXXX seems to be holding it illegally ( it is not their money ). Bank of America is not making efforts to retrieve the money from threbank in XXXX ( their business partner ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: my college loan was stolen! Someone got into my banking account by copying my XXXX XXXX and information was stolen from my phone., i.e. he had all my information stored on my phone and ripped my off, bought phones in my account, stole money from my loan and checking account. i was not fully compensated from my bank either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Last XXXX, I found out there was a car loan issued under my name with my BOA account. It was from XXXX XXXX, Ca dealership for a XXXX XXXX. I was shocked because I didn't apply for any car loan or have any XXXX with me. I contacted BOA and they said it was approved and I owed about {$35000.00} car loan from BOA. I immediately went to police station and local BOA to stop this fraudulent car loan. I also contacted the dealership but no one believed me. Later on, BOA sent me the car loan paperwork after I requested and it turned out it was not me/my name. Our name, XXXX, address, contact info and signatures are to XXXX complaint to the dealership and police report, BOA told me that they will work on it. Few weeks later, I found out the car loan was removed without telling me. I feel BOA breached my security and identity. They can access my account and put a loan on me whenever they want. Even the BOA branch manager could not believe what just happened to me and believe BOA should compensate me for my loss and stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: My edd card from bofa has been closed and I have called numerous times and have been to my local bank of america and nothing has been done from the bank and I am not doing to well with my health at the moment and I would appreciate it if you could help me get this problem resolved. Thank you and God bless you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Basically I was renting a car from XXXX through XXXX I was done renting car and the lady at counter said there was two contracts on the car I rented at the same time she tried fixing mistake I paid my rental in full then a week later on the same day XXXX added the additional bill on car with out my written authorization I have been disputing these charges for over 8 months then they allowed XXXX to add a third charge I told them over and over I did not authorize these charges for over {$8000.00} XXXX and XXXX are not honest companies XXXX has double charged over thousands of customers and reported rental cars stolen I refuse to pay these charges that are not mine bank of America acts like they are affiliated with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A